Pulling a fast one

The type of conduct that can be characterised as fraudulent in insurance claims is extremely wide and includes: deliberately inflating claims; claims where no loss has occurred at all; false statements as to the circumstances of the loss or in complying with contractual conditions; and false descriptions of the subject matter.

Fraud can occur at the application stage in the form of fraudulent non-disclosure or misrepresentation. The civil definition for fraud dates back to the 1889 case of De